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North Carolina Car Insurance

Destination beaches, delicious restaurants, and popular nightlife areas are spread all over North Carolina. For North Carolina residents, having a car to get to these spots are important, as well as having affordable car insurance. Good2Go Insurance, Inc. is here to help keep you insured for cheap!

Drivers in North Carolina who fail to provide proper insurance can receive fines, probation time, and more.


North Carolina Car Insurance Laws

In the state of North Carolina, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in North Carolina include fines and fees of up to $100, up to 45 days of probation and suspension of registration for up to 30 days.


What is Considered Full Coverage Auto Insurance in North Carolina?

According to the North Carolina Department of Transportation, North Carolina’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. North Carolina vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $30,000 for bodily injury to or death of one individual and $60,000 for any one accident; and
  • $25,000 for injury to the property of others in any one accident.


North Carolina DUI/DWI Laws and Penalties

North Carolina DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. North Carolina DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. Per the DOT, Penalties for a first conviction of DUI may include:

  • Mandatory revocation of your driver license for one year.
  • Once your driver license is restored, your legal alcohol concentration will be lowered to 0.04 for three years.
  • Minimum punishment is a fine up to $200 and a minimum 24 hours imprisonment, 24 hours community service, or any combination of these.
  • Maximum punishment is a fine up to $4,000 and imprisonment of no less than 30 days or more than 24 months.


North Carolina Cell Phone Driving Laws and Texting While Driving Laws

The state of North Carolina currently does not have a full ban on cell phone use for all drivers. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. North Carolina also has a texting while driving ban for all drivers. It is a minor misdemeanor and violators could face a fine of at least $100.


North Carolina SR-22 Insurance Documents

North Carolina does not require an SR-22 for DUI offenses. However, if you have an SR-22 filing in another state and move to North Carolina you must maintain your SR22 in the state where it is required. An SR-22 form may need to be filed for three years with your former state, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents with your former state for drivers that are required to keep and show valid auto liability insurance.

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